对我国网络银行发展与监管问题的研究

A Study on the Development and the Supervision of Internetbanking in China

网络技术的迅速发展 ,改变了传统的信息传播方式 ,导致了网络银行的出现。虽然对网络银行的认识还有一定分歧 ,存在广义和狭义两种定义 ,但普遍认为网络银行将成为下一世纪银行业发展的主流趋势。我国的网络银行起步较晚 ,在发展过程中出现了快速、跳跃性、单一形式等特点。这些特点不仅使我国网络银行存在着网络银行发展过程中的一般性问题 ,而且在安全、信息、发展模式等方面还存在着一些特殊的问题。为促进网络银行的进一步发展 ,进行适宜的监管是必要的 ,但在监管策略上需要注意监管框架、次序 ,市场进入、退出等几个方面的问题。

The development of IT technology changed the banking form and made internet banking floating Although its′ definition is not identical,internetbanking will be the main tendency in next century.In China internetbanking burgeons with speediness,skip and uniform characteristics.There are not only general problems but also special issues with security,information release and develop model that existed in the progress.It is necessary that making suitable supervision on internetbanking in China for farther development.However,we should give special attention on supervision frame,order,entrance,and quit when we decided which strategy is feasible.